Charleston, WV homeowners insurance is approximately $788 to $1,077, about $65-$89/month. Our exhaustive guide shows customers can save upto $373 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Charleston, WV | Homeowners Insurance Agency Near Charleston, WV | Address |
|---|---|---|
| Travelers | Peoples Insurance Agency Llc | 101 FIFTH AVE, HUNTINGTON, WV, 25701 |
| Allstate | Travis Foster | 127 Goff Mountain Rd, Cross Lanes, WV, 25313 |
| State Farm | Tyler Courts | 101 Court St N, Ripley, WV, 25271-1207 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| South Charleston city, West Virginia | $136 | $181 | $272 |
| Dunbar city, West Virginia | $134 | $179 | $269 |
| Rand CDP, West Virginia | $131 | $175 | $263 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Charleston, WV | 6.7% | 21.0% |
| South Charleston | 7.84% | 22.1% |
| Dunbar | 8.26% | 25.17% |
| Rand | 9.19% | 33.26% |
| Charleston Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 496 | 5.0% | $353 |
| $200 to $299 | 611 | 7.0% | $803 |
| $300 to $499 | 1,364 | 15.0% | $1253 |
| $500 to $749 | 3,405 | 39.0% | $1928 |
| $750 to $999 | 1,750 | 20.0% | $2678 |
| $1,000 to $1,499 | 799 | 9.0% | $3803 |
| $1,500 or more | 180 | 2.0% | $5453 |
| Streets in Charleston Area | Homeowners Insurance Cost |
|---|---|
| Chamnes Ln, Athens Ave, Callie Rd, Baird Dr, Hunt Ave, Co Rte 20, Hinton, Marburn Rd, Titan Dr, Wesley Dr | $896 |
| Francis Dr, Old US Hwy 60, Ehman Dr, Westview Dr, Tudor Rd, S St, Mud Lick Rd, 50th St SE, Penn Ave, Poplar St | $923 |
| Evergreen Dr, Capitol St, 72nd St SE, Ring Hollow Rd, Hazel Rd, Beacon Ln, Pickford Ct, Mount Alpha Rd, Beulah St, Rose Hill Dr | $927 |
| Woodvale Dr, Frog Creek, California Ave, Hunter Rd, Phyllis Dr, McGuffin Dr, Thornhill Ln, Kent St, Co Rte 119/73, Brookstone Rd | $930 |
| Lynnhaven Dr, Slacks Branch Rd, Lyndale Dr, Friendly Dr, McCormick St, Co Rte 73/7, Rummelbrown Dr, Quarrier St E, Jane St, Shelton Ave | $933 |
| E 5th St, Puckett Dr, Layman Ln, State Forest Connell Rd, Wilkie Dr, Rattlesnake Hollow Rd, Westminister Way, Forest Edge Ln, Potomac St, Aliff Dr | $885 |
| Dryden Rd, Biden Dr, Heavenly Dr, Davis Creek, Danner Rd, Viola Rd, 20th St SE, Cross Creek Rd, Claymont Rd, Brynwood Dr | $908 |
| Kingston Ct, Pittman Rd, Chandler Dr, King St, Mink Shoal Branch, Mountain Rd, Co Rte 46/3, Walden St, Branch Rd, Draper Dr | $900 |
| Columbia Ave, School St, Bare Ln, 4th St E, Floyd Dr, Upper Ridgeway Rd, Quail Pointe Dr, McDonald St, E Donnally Rd, Shellar Dr | $898 |
| Edgewood Dr, Young St, Clover Dr, Hermitage Rd, Somerlayton Rd, Kay Ln, Rustling Rd, Newton Rd, Glen Cove Dr, Kinser Rd | $952 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Charleston | $139 to $142 |
| South Charleston | $136 |
| Dunbar | $134 |
| Rand | $131 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $4,700 |
| Yearly Charleston Homeowner Insurance Premium Example | $1,400 | $900 |
| Out of Pocket Expense During Claim | $1,700 | $4,700 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $11,500 | $11,000 |
| Net Savings to Charleston Home Owner from High Deductible Plan | $500 | |
| Scenario | Charleston, WV Home Replacement Value MORE than Home Value | Charleston, WV Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $105,500 | $64,500 |
| Insurance Premium based on Replacement Value | $500 | $300 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $20,500 | Risk Exposure from Under Insuring Coverage is $20,500 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $100/year |
| Insurance Company | Erie Insurance | Amica Mutual Insurance Company | GEICO Insurance |
| Monthly Premium | 39 | 55 | 45 |
| Year Built | 1964 | 1956 | 1977 |
| Home Details | 3 Beds, 2 Baths | 5 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $200000-$250000 | $125000-$150000 |
| Deductible | $5000 to $10,000 Deductible | > $10,000 Deductible | $500 Deductible |